Clients
Rahel Hofer
AffluentIndividual · Client since 1998 · Chur, GR · KYC: Standard
Relationship manager
Lukas Marti
Private Clients · St. Gallen
Cash
CHF 984k
Deposits
CHF 1.48m
Investments
CHF 912k
Lending
CHF 1.15m
Net flow 30d CHF -239k
Relationship summary
Synthetic banking dataPrivate client in the Affluent segment, with the bank since 1998 and based in Chur. Total deposits CHF 1'476'700, investments CHF 911'600, lending CHF 1'154'000. Net flow over the last 30 days is CHF -239'300, and a Variable mortgage of CHF 1'154'000 renews in 277 days. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH15 0076 5302 8525 4587 1 | CHF | CHF 492'200 |
| Savings | CH91 0076 4450 6923 5140 5 | CHF | CHF 492'300 |
Lending
| Facility | Detail | Rate | Balance |
|---|---|---|---|
| Mortgage | Variable · Renditeobjekt, Chur · renews in 277 d | 1.56% | CHF 1'154'000 |
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Bonds | Global Equity Fund | CHF 353'900 | 4.0% |
| Funds | CHF Corporate Bonds | CHF 158'900 | 8.3% |
| Structured | SMI Index Fund | CHF 152'600 | 2.2% |
| Cash | Multi-Asset Balanced | CHF 246'200 | 8.3% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-12 | Elektrizitätswerk | SWIFT | CHF 2'179 |
| 2026-08-08 | SBB Ticketing | SIC | CHF 8'001 |
| 2026-07-30 | Apotheke Zentrum | Standing order | CHF 323 |
| 2026-07-29 | Apotheke Zentrum | SIC | CHF 596 |
| 2026-07-14 | Globus | Standing order | CHF -6'070 |
| 2026-06-25 | Steueramt | Internal | CHF 8'752 |
Interactions
- Branch2026-01-21
Card limit increase requested.
- Branch2025-12-17
Pension planning consultation booked.